Datcu Credit Union Denton, Texas
Datcu Credit Union is a state-chartered credit union headquartered in Denton, TX (NCUA charter 67535), and it is regulated and insured by the NCUA. At Q2 2026 it reported 113,275 members and total assets of $1.79B (up 3.5% from Q2 2025), the 19th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 17.19% at Q2 2026, in the well capitalized band.
Also written as Datcu CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 67535
- Headquarters
- Denton, TX
- Established
- Not reported
- Total assets, Q2 2026
- $1.79B
- Assets vs Q2 2025
- +3.5%
- Members, Q2 2026
- 113,275
- Net worth ratio, Q2 2026
- 17.19%
- Latest call report
- Q2 2026, NCUA 5300 · Datcu Credit Union call report
- Asset rank in state
- 19th of 377 in Texas
- Routing number
- 311980725
- Branches
- 16
It has 3,135 more members than on June 30, 2025 (+2.8%). Its net worth ratio was up 0.89 percentage points from 16.30% on June 30, 2025. Used vehicle loans are its largest loan category, $499.8M of $1.55B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.13% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 17.19% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in Texas
Frequently asked about Datcu Credit Union
How big is Datcu Credit Union?
At Q2 2026 it reported total assets of $1.79B and 113,275 members.
Where is Datcu Credit Union headquartered?
It is headquartered in Denton, TX, United States.
Is Datcu Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67535): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Datcu Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Datcu Credit Union well capitalized?
Its net worth ratio was 17.19% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Datcu Credit Union's delinquency ratio?
Its delinquency ratio was 0.13% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Datcu Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 105.48% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Denton, TX 76201
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- NCUA Charter #
- 67535
- RSSD ID
- 972394
- Members
- 113,275
- Potential members
- 7,785,300
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 6 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 17.19% | 10.89% | over 90th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.68% | 0.89% | over 90th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 9.76% | 8.07% | 65th above |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 4.18% | 3.45% | over 90th top |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 53.91% | 70.59% | over 90th top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.14% | 1.68% | 87th top |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.13% | 0.68% | over 90th top |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.33% | 5.12% | 65th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 105.48% | 88.03% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.79B total assets against $1.72B; $1.47B total shares and deposits against $1.43B; $1.55B total loans against $1.44B.
$306.9M net worth against $281.4M.
17.19% net worth ratio against 16.30%.
105.48% loan-to-share ratio against 100.37%.
0.13% delinquency ratio against 0.07%.
1.68% return on assets against 1.63%; 9.76% return on equity against 10.01%.
4.18% net interest margin against 3.95%.
113,275 members against 110,140.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 17.19% | 1.68% | 0.13% | 105.48% |
| March 31, 2026 | 17.04% | 1.47% | 0.16% | 104.17% |
| December 31, 2025 | 16.88% | 1.54% | 0.17% | 103.35% |
| September 30, 2025 | 16.59% | 1.68% | 0.10% | 100.96% |
| June 30, 2025 | 16.30% | 1.63% | 0.07% | 100.37% |
| March 31, 2025 | 16.53% | 1.29% | 0.11% | 102.44% |
Scroll sideways to see every column.
Watch flags
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.